Dakota County, Minnesota has a 2026 one-unit conforming loan limit of $832,750, which is 2.2 times the county's median home value of $381,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $106,318 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $381,000 |
| Minnesota median home value | $329,300 |
| Limit ÷ median home value | 2.19× |
| Median household income | $106,318 |
| Median home value ÷ income | 3.6× |
| Population | 445,771 |
| Median property tax paid (owners) | $3,749 |
| Effective property tax rate (approx.) | 0.98% |
| Owner-occupied homes | 74.9% |
| Home value rank in Minnesota | 5 of 87 counties |
| Neighbor: Goodhue County, MN | limit $832,750; median home $285,100 |
| Neighbor: Hennepin County, MN | limit $832,750; median home $392,900 |
| Neighbor: Ramsey County, MN | limit $832,750; median home $326,600 |
| Neighbor: Rice County, MN | limit $832,750; median home $320,200 |
| Neighbor: Scott County, MN | limit $832,750; median home $419,400 |
| Neighbor: Washington County, MN | limit $832,750; median home $422,000 |
| Neighbor: Pierce County, WI | limit $832,750; median home $333,700 |
Across Minnesota's 87 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Dakota County's median home value is 16% above the state median of $329,300 (rank 5 of 87). Among its 7 neighboring counties, Washington County has the highest median home value ($422,000) and Goodhue County the lowest ($285,100); all share the same loan limit. Owners pay a median $3,749 a year in property tax, an effective rate of about 0.98% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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- 2026 conforming loan limit: Dakota County, NE
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- 2026 conforming loan limit: Dallas County, AL
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Last updated 2026-10-16. Data only, not financial or tax advice.